<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM FORM 10K AND
IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.

<MULTIPLIER> 1,000

                                                  
<PERIOD-TYPE>                   YEAR                   YEAR
<FISCAL-YEAR-END>                          DEC-31-2000             DEC-31-1999
<PERIOD-START>                             JAN-01-2000             JAN-01-1999
<PERIOD-END>                               DEC-31-2000             DEC-31-1999
<CASH>                                          25,692                  12,205
<INT-BEARING-DEPOSITS>                               0                       0
<FED-FUNDS-SOLD>                                     0                   7,500
<TRADING-ASSETS>                                     0                       0
<INVESTMENTS-HELD-FOR-SALE>                     28,369                  31,665
<INVESTMENTS-CARRYING>                          46,367                  43,416
<INVESTMENTS-MARKET>                            46,679                  42,468
<LOANS>                                        378,119                 285,537
<ALLOWANCE>                                      6,573                   4,850
<TOTAL-ASSETS>                                 498,295                 385,371
<DEPOSITS>                                     429,195                 334,714
<SHORT-TERM>                                     6,100                       0
<LIABILITIES-OTHER>                              9,218                   4,453
<LONG-TERM>                                          0                       0
<PREFERRED-MANDATORY>                                0                       0
<PREFERRED>                                          0                       0
<COMMON>                                        38,227                  34,751
<OTHER-SE>                                      15,555                  11,453
<TOTAL-LIABILITIES-AND-EQUITY>                 498,295                 385,371
<INTEREST-LOAN>                                 36,177                  24,421
<INTEREST-INVEST>                                4,847                   5,711
<INTEREST-OTHER>                                     0                       0
<INTEREST-TOTAL>                                41,024                  30,132
<INTEREST-DEPOSIT>                              11,154                   8,194
<INTEREST-EXPENSE>                              11,575                   8,217
<INTEREST-INCOME-NET>                           29,449                  21,915
<LOAN-LOSSES>                                      825                     315
<SECURITIES-GAINS>                                   0                       0
<EXPENSE-OTHER>                                 19,684                  13,661
<INCOME-PRETAX>                                 10,927                   9,466
<INCOME-PRE-EXTRAORDINARY>                      10,927                   9,466
<EXTRAORDINARY>                                      0                       0
<CHANGES>                                            0                       0
<NET-INCOME>                                     6,760                   5,850
<EPS-BASIC>                                       1.37                    1.18
<EPS-DILUTED>                                     1.33                    1.15
<YIELD-ACTUAL>                                    6.83                    6.09
<LOANS-NON>                                      1,223                     632
<LOANS-PAST>                                       389                     193
<LOANS-TROUBLED>                                     0                       0
<LOANS-PROBLEM>                                      0                       0
<ALLOWANCE-OPEN>                                 4,850                   4,424
<CHARGE-OFFS>                                      452                     804
<RECOVERIES>                                       242                     915
<ALLOWANCE-CLOSE>                                6,573                   4,850
<ALLOWANCE-DOMESTIC>                             6,573                   4,850
<ALLOWANCE-FOREIGN>                                  0                       0
<ALLOWANCE-UNALLOCATED>                          1,473                   1,217